My numbers may not be completely sorted out due to everything. Let me try this from a paycheck perspective (biweekly, 26 pp per yr).
Gross: $4048.00
TSP: $607.20 (will be $647.68 soon - 5% matched but that's not on my pay stub as pay)
FERS: $32.38
Tax (F,S,Local): $701.94
SS/MC: $301.92
Health Ins: $71.39
FSA: $30.00
Net: $2303.27
Transfer to Credit Union: $775.00 (covers Mortgage and $355/mon to separate savings accts that I talked about)
Net to Bank: $1528.17
Bi-weekly Expenses (according to my spreadsheet): $1306.65
Which leaves $221.52 bi-weekly, so theoretically $479.96 monthly...
So yeah, I need to figure out where this is going... looks like I have a date with Quicken this weekend.
So what I think you are suggesting, former player, is sort this out and leave the extra going to my mortgage.